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Call for a stated income loan today! Our small balance loans start at about $100,000 and go up to $5,000,000. We’ve been helping people finance their real estate properties since 1993 and specialize in non-owner occupied investment residential rentals and commercial owner occupied or non-owner business real estate of all kinds:
3CALoan is a mortgage broker, lender, bank providing loan lending and financing. Specialist in FHA, Zero down, stated income Loan lenders, Private hard money, conventional, conforming, alternative document, bank statement home loan for purchase, refinance and lending for investment, mixed use properties
Yes, we offer full Stated Income Loans & Stated Income Jumbo Loans from $150k to $5 Million! These loans are for borrower’s who prefer NOT to qualify with bank statements or tax returns. These stated income loans have NO income requirements. We offer these for primary residences and investment properties.
Stated income loans and/or loans that are considered "alt doc" (short for alternative documentation) are available through these lenders according to our best information – be sure to check with each lender or start here to get matched with a lender who can help you.
Finding stated income mortgage lenders. You will need to have great credit, high downpayment and high income to get approved. Remember that stated income loans will have high interest rates and lender fees. However, these loans are still much less expensive than other investment loans, like hard money loans.
About stated income residential loans. stated income residential loans are ideal for self employed people and others who find it hard to get loans from banks. Usually, a borrower will approach a lender, and the lender will let the borrower ‘state’ their annual income.
A stated income loan is a mortgage where the lender does not verify the borrower’s income by looking at their pay stubs, W-2 (employee income) forms, income tax returns, or other records. Instead, borrowers are simply asked to state their income, and taken at their word. These loans are sometimes called liar loans or liar’s loans.
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The Stated Income Mortgage Loan is the best option for real estate investors looking for a reduced documentation experience without having to sacrifice for higher rates and short-terms, such as a bridge loan or hard money loan.
Stated income loans are back! These stated income programs help the self-employed and companies looking for mortgage lenders. No tax returns needed.